---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-202587"
form_type: "8-K"
ticker: "CIZN"
cik: "0001075706"
company_name: "CITIZENS HOLDING CO /MS/"
filed_at: "2022-07-27T23:59:59+00:00"
generated_at: "2026-06-24T07:59:42.084530+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Citizens Holding Q2 net income $2.54M ($0.45/sh), up 33% YoY; NIM expands to 2.78%

## Summary
- Net income $2.54M ($0.45 diluted EPS) vs $1.91M ($0.34) in Q2 2021, up 33.25%.
- Total revenue $12.32M, up 6.35% from prior quarter on higher interest income.
- Net interest margin 2.78% vs 2.69% prior quarter and 2.57% year ago.
- Loans held for investment grew 1.09% linked-quarter; non-performing assets 84 bps of loans.
- Dividends of $0.48 per share paid YTD, unchanged year-over-year.

## SEC filing metadata
- accession: 0001193125-22-202587
- form_type: 8-K
- ticker: CIZN
- cik: 0001075706
- company_name: CITIZENS HOLDING CO /MS/
- filed_at: 2022-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1075706/000119312522202587/0001193125-22-202587-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1075706/000119312522202587/d384974d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-202587
- JSON: https://secwatch.observer/filing/0001193125-22-202587.json
- Plain text: https://secwatch.observer/filing/0001193125-22-202587.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.